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Overview / Commentary
918-623-1551
402 West Broadway
Okemah, OK 74859

The Citizens State Bank is headquartered in Okemah and is the 96th largest bank in the state of Oklahoma. It is also the 3,314th largest bank in the nation. It was established in 1908 and as of September of 2017, it had grown to 259 employees at 2 locations. The Citizens State Bank has a C- health rating.

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Health
C-
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The Citizens State Bank has a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #419
Year Established1908
Employees259
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-11.57%
Return on Equity - YTD-101.87%
Annual Interest Income$11.4MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$167.5MM$346.1MM
LoansQ3 2017vs Q3 2016$123.6MM$315.8MM
DepositsQ3 2017vs Q3 2016$133.4MM$287.4MM
Equity CapitalQ3 2017vs Q3 2016$18.8MM$36.3MM
Loan Loss AllowanceQ3 2017vs Q3 2016$3.3MM$446.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.4MM$2.9MM
Real Estate OwnedQ3 2017vs Q3 2016$269.00K$22.00K
Rates
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The Citizens State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$100-Savings

The Citizens State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$25k-Super Now Account
0.10%$2,500-Now Account

The Citizens State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%$2,500-60 Month CD
1.36%$2,500-48 Month CD
1.26%$2,500-36 Month CD
1.00%$2,500-24 Month CD
0.65%$2,500-12 Month CD
0.55%$2,500-182 Day CD
0.20%$2,500-90 Day CD
Locations


The Citizens State Bank Locations
Paden Branch402 West 9th StreetPaden, OK 74860
The Citizens State Bank404 West BroadwayOkemah, OK 74859